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Current Issue    About the Register

Sep/Oct 2014

Cover Profile:
Russell Luce
Protecting Those with Special Needs

Because in certain situations a Financial Consultant has to consider “special needs” clients, the IARFC dialogues with Russell Luce RFC, LUTC, FIC of Planning Legacies Financial Group in the September Publication of the Register. From both personal and professional experience, Luce has insights that help him understand his clients in these stressful and overwhelming situations.

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Les Anderson - Dunton Award Recipient 2014

IARFC announces that the recipient of the 2014 Loren Dunton Memorial Award is Les Anderson, of the Cetera Financial Group in Dacula, Ga. This prestigious award is in honor of the founder of the financial planning profession, Loren Dunton – a person who has made a substantial contribution to the financial services profession and/or the financial interests of the public.


Call for IARFC Directors

Our Board of Directors election process begins this month. In 2015, there are two current Directors up for re-election: Isabel Cooper and John Rogers. A “new” Director will be needed to take my place as I will be stepping into the Chairman of the Board position. And Lloyd Lowe’s position will need to be filled. That means there are four Board Director positions to fill. The current Chairman, Ed Morrow will continue to serve as a Director and CEO.

by Steve Bailey 


6 Reasons Why to Charge Fees

The Life Insurance industry sales force is currently beset with devastating change caused by threats of inflation, disintermediation, cannibalism, proliferation of new products, competition from other financial institutions, pirates rolling over products from company to company to get a first-year commission every few years, and the final complication of a general public that believes itself to be more informed about financial matters than it actually is. With Baby Boomers retiring, some predictions have been made that today’s sales force of 450,000 salesmen will be reduced in 10 years to 45,000. The survivors will be the people who are able to cope with these changes and become the financial product salespersons of the future. A large portion of these people will be fee-charging financial consultants.

by Hank Brock 



A practitioner-oriented financial magazine written and distributed monthly by the IARFC. The Registerincludes practitioner profiles, articles, interviews, book reviews and practical practice management, client service and marketing recommendations.  



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 Register Profiles 2014

Vol. 15 No. 4 - Nick Royer

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